中小企业是我国国民经济的重要组成部分 ,就目前情况来看 ,一大批中小企业都是民营企业。过去由于思想认识上的偏差 ,国有商业银行对民营中小企业往往不提供贷款支持 ,它们的资金筹措受到很多限制。资金筹措问题不解决 ,要想更快更好地发展中小企业是很难实现的。一、中小企业 Small and medium-sized enterprises are an important part of our national economy. Judging from the current situation, a large number of small and medium-sized enterprises are all private-owned enterprises. In the past, due to the deviation of ideological understanding, state-owned commercial banks often did not provide loan support to private SMEs and their fund raising was greatly restricted. If the financing problem is not resolved, it will be very hard to achieve a faster and better development of the SMEs. First, small and medium enterprises